Author: Singapore's Budget Babe

My Miles Hacking Strategy + Miles Credit Cards

Wanna know how to get FREE flights? You heard me right. No, this isn’t a gimmick, and it is no scam. The method is simple: redeem free flights using the right miles credit cards for expenses you’re already paying for. Now, it is no secret that I prefer cashback over miles when it comes to my credit cards, but I did mention before that you probably want to have both because there may be some cases where it actually pays to have a miles card (especially in cases where it doesn’t fit into your qualifying cashback card categories).  I...

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Actual Hospital Bill for Pregnancy Delivery in Singapore

As a follow-up to my previous post where I estimated the bill sizes for delivery in various hospitals in Singapore, before deciding to go with Thomson Medical Centre given their affordability and other reasons detailed here. I managed to gather the actual hospital bills for a few hospitals from my fellow mamas who had delivered close to my dates (2 – 3 weeks before / after), and here’s how they compare: Actual Hospital Bills (October – November 2018) Mummy’s Bill: Gynae and anaesthetist fees have been excluded from the comparison as these service fees vary according to the professionals...

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A Comprehensive Guide to Government Grants for Newborns and Babies

There’s a wide range of benefits available to parents if you’re having your baby in Singapore. I came to learn of all these cash grants and freebies when I was pregnant with my first child, but realised that many of my peers aren’t fully aware of what they’re entitled to, so here’s a full list of what you can get and how: I detail them below on what they cover, and how you can apply to claim your benefits: The Baby Bonus cash gift The First-Step CDA grant and dollar-for-dollar matching MediSave Maternity Package MediSave Grant for Newborns MediShield...

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A Comprehensive Guide to Government Grants for Newborns and Babies

There’s a wide range of benefits available to parents if you’re having your baby in Singapore. I came to learn of all these cash grants and freebies when I was pregnant with my first child, but realised that many of my peers aren’t fully aware of what they’re entitled to, so here’s a full list of what you can get and how: I detail them below on what they cover, and how you can apply to claim your benefits: The Baby Bonus cash gift The First-Step CDA grant and dollar-for-dollar matching MediSave Maternity Package MediSave Grant for Newborns MediShield...

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Which Hospital Should I Deliver In? (KKH vs TMC. vs MAH)

Public vs. Private? We took a total of 8 months before deciding on which hospital to deliver in, because being Budget Babe, I wanted to really review and evaluate my options before deciding! After all, childbirth is going to be one of the most major experiences in my life, and I really wanted to think through where would be best for me as I go through this milestone that will change my life forever. One of the major considerations of whether to deliver in a public or private hospital would be that of costs. To get an estimate of...

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Which Hospital Should I Deliver In? (KKH vs TMC. vs MAH)

Public vs. Private?We took a total of 8 months before deciding on which hospital to deliver in, because being Budget Babe, I wanted to really review and evaluate my options before deciding! After all, childbirth is going to be one of the most major experiences in my life, and I really wanted to think through where would be best for me as I go through this milestone that will change my life forever. One of the major considerations of whether to deliver in a public or private hospital would be that of costs. To get an estimate of the...

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Pregnant? Here’s how much money you may need to prepare from pregnancy to delivery and your baby’s first year

Needless to say, being pregnant in Singapore isn’t a cheap affair. There are many costs to think about, and the bills can easily add up, leading to stress over a lack of finances if you aren’t prepared for it. What should one expect to spend and save up for when you get pregnant? Here are some costs to think about (numbers are estimations based on my own pregnancy journey this year): Pre-natal / Pregnancy costs Gynae visits ($1,000 – $3,000) Each consultation will easily set you back by $100 – $300+ depending on whether you’re seeing a public or...

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Pregnant? Here’s how much money you may need to prepare from pregnancy to delivery and your baby’s first year

Needless to say, being pregnant in Singapore isn’t a cheap affair. There are many costs to think about, and the bills can easily add up, leading to stress over a lack of finances if you aren’t prepared for it.What should one expect to spend and save up for when you get pregnant? Here are some costs to think about (numbers are estimations based on my own pregnancy journey this year):Pre-natal / Pregnancy costs Image credits Gynae visits ($1,000 – $3,000)Each consultation will easily set you back by $100 – $300+ depending on whether you’re seeing a public or private...

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Review of MoneyOwl – Singapore’s first bionic financial adviser combining AI and human insights

How many times have you sought advice from a “financial advisor” (i.e. mostly a glorified term for an insurance salesperson), only to be left sorely disappointed when they end up selling you insurance products (usually expensive / high commission plans)? You’ll hardly find agents who tell you about “no commission” products that are actually great for various needs (eg. CPF-SA, Singapore Saving Bonds, Temasek Bonds, Astrea IV bonds, etc). And so you try to DIY your own insurance through portals like CompareFirst, but you’re also stuck because you cannot figure out if you’re identifying your own insurance protection gaps...

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Review of MoneyOwl – Singapore’s first bionic financial adviser combining AI and human insights

Image credits How many times have you sought advice from a “financial advisor” (i.e. mostly a glorified term for an insurance salesperson), only to be left sorely disappointed when they end up selling you insurance products (usually expensive / high commission plans)? You’ll hardly find agents who tell you about “no commission” products that are actually great for various needs (eg. CPF-SA, Singapore Saving Bonds, Temasek Bonds, Astrea IV bonds, etc).And so you try to DIY your own insurance through portals like CompareFirst, but you’re also stuck because you cannot figure out if you’re identifying your own insurance protection...

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Review: Thomson Medical Childbirth Education Course

It was hilarious how my husband bugged me to find him a class that would teach him about childbirth and how to handle a newborn, because at 33 weeks pregnant, he suddenly realised that he was ill-prepared to become a father and didn’t know ANYTHING (lol, slow). I, on the other hand, had been attending a number of pregnancy conferences by myself during my second trimester and knew a little bit of everything, on top of the books I had been reading. With only a few more weeks to delivery, most of the childbirth courses offered in the market...

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Review: Thomson Medical Childbirth Education Course

It was hilarious how my husband bugged me to find him a class that would teach him about childbirth and how to handle a newborn, because at 33 weeks pregnant, he suddenly realised that he was ill-prepared to become a father and didn’t know ANYTHING (lol, slow). I, on the other hand, had been attending a number of pregnancy conferences by myself during my second trimester and knew a little bit of everything, on top of the books I had been reading. With only a few more weeks to delivery, most of the childbirth courses offered in the market...

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Understanding Baby Bonus & CDA Benefits – Which is the BEST Child Development Account (CDA) to Open?

Getting pregnant, delivering a child and raising them sure isn’t cheap in Singapore. To help encourage more couples to have babies, our government has given various incentives including a Baby Bonus cash gift ($8k each for your first two kids, and $10k for the third onwards), a $3000 Child Development Account (CDA) First Step Grant, and dollar-to-dollar matching if you contribute and save up in your child’s CDA.  Please pay attention to the last column of “Total Baby Bonus Benefits”, which tells you the maximum amount you’ll be able to get from the government. But beyond that, I’m also...

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Understanding Baby Bonus & CDA Benefits – Which is the BEST Child Development Account (CDA) to Open?

Getting pregnant, delivering a child and raising them sure isn’t cheap in Singapore. To help encourage more couples to have babies, our government has given various incentives including a Baby Bonus cash gift ($8k each for your first two kids, and $10k for the third onwards), a $3000 Child Development Account (CDA) First Step Grant, and dollar-to-dollar matching if you contribute and save up in your child’s CDA. Please pay attention to the last column of “Total Baby Bonus Benefits”, which tells you the maximum amount you’ll be able to get from the government. But beyond that, I’m also...

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My Review of the 2.7% T2023-S$ Temasek Bonds

I wasn’t going to write about the latest Temasek bonds offering, but have been receiving so many PMs from friends and readers alike about it so I thought I’ll just pop in here to share my thoughts really quickly on this.You can read the full details of the offering here yourself – I shall skip on breaking it down this time because simply put, I’m just not interested in this product offering. The last bond I bought into was the Astrea-IV bonds, which offered me a much higher yield of above 4%; while the last few equities I bought...

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